Question 1

How much on-going administration is there once the Company Scheme is set up?

Accepted Answer

Enterprise Flexible Benefits ,  Precision Corporate Healthcare  and   NHS Top-Up Corporate:  Once the company scheme is set up, you can manage administrative changes, including adding or removing members, via your WPA secure online portal. Alternatively, you can contact us and we will be delighted to assist you.

Question 2

What happens if one of our Company Scheme members wants to make a claim?

Accepted Answer

Enterprise Flexible Benefits: For an Essential claim, your employee will need to get a referral from their GP and then give us a call to pre-authorise their claim. We'll take it from there.

If your employee is looking to claim money back on their everyday healthcare expenses under Cash Extras Wellness or Dental, they just need to sign into their secure online account and follow the on-screen instructions.

If requested, they will need to send us the completed form and associated receipts within six months of the eligible treatment date.

Precision Corporate Healthcare: For private medical insurance (PMI) claims for Specialist or hospital treatment or for Mental Health claims: The Company Scheme member will need to let us know in advance of receiving treatment. This pre-authorisation can be done 24/7 via the WPA Health App or by contacting the WPA Customer Service Team.

They can self-refer to a Therapist or Specialist, without the need to see a GP, for a short course of eligible treatment if the condition is not related to Mental Health. However, as above this requires them to contact us in advance of receiving treatment.

For cash benefit claims: If a Company Scheme member is looking to claim money back on their everyday healthcare expenses under one of the various Cash Benefit options selected (e.g. optical, dental or for health screens) then they can sign in to their secure online account and follow the on-screen instructions or use the WPA Health App.

NHS Top-Up Corporate: Just ask your employee to sign in to their secure online account to make a claim and follow the on-screen instructions.

Question 3

Can we mix and match cover between company scheme members?

Accepted Answer

Enterprise Flexible Benefits: Yes, this company scheme is very flexible. Each employee can have different options and levels of cover.

Allowing you to define a tiered benefits structure that reflects your company requirements.

If you want to add family members of your employees to the company scheme, they can also have different options and levels of cover.

Precision Corporate Healthcare: Yes, PCH is a hybrid product that will not only allow you to mix and match different benefit levels, but also the different benefit options. Each employee can have different options and levels of cover allowing you to offer a uniquely tailored benefit structure that reflects your company's requirements.

If you want the option to add the family members of your employees to the Company Scheme, you can do so and they can also have different options and levels of cover.

NHS Top-Up Corporate: Yes. Apart from the Face to Face Counselling benefit, which, if chosen, must be made available to all cash plan members.

Question 4

What is the maximum joining age?

Accepted Answer

Enterprise Flexible Benefits and Precision Corporate Healthcare: There is no maximum joining age, but all members must be a current company employee or a family member.

NHS Top-Up Corporate: There is no maximum joining age for members joining an NHS Top-Up Corporate cash plan, as long as they meet the other joining criteria (see the Cash Plan Brochure for more details).

Question 5

What is a Corporate Healthcare Trust and how does it work?

Accepted Answer

Companies with over 500 employees on a healthcare scheme typically see claims spend as largely predictable year on year and as such, traditional insurance schemes, where the entire claims spend is insured, may not be the optimum solution. Many companies choose to set up a Corporate Healthcare Trust arrangement, whereby a specialist administration company charges a fee to act on the company's behalf, including running the customer helpdesk, authorisation of claims, processing of invoices and providing dedicated relationship management support. The administration company has access to funds within a segregated client bank account, in order to pay eligible claims. Some companies also choose to purchase stop loss insurance, which can be used to protect the scheme against unforeseen claims costs.

Question 6

Would a Corporate Healthcare Trust work for my company?

Accepted Answer

Whilst there is no specific criteria, we believe that a Corporate Healthcare Trust works most effectively for companies with more than 500 employees on their healthcare scheme. WPA's Corporate Deductible may be more appropriate for schemes which have fewer employees.

Question 7

What is stop loss insurance and how does it work?

Accepted Answer

There are two types of stop loss insurance that WPA are able to offer. Aggregate Stop Loss (ASL)  - this type of insurance protects the scheme by setting a cap on the total liability in that scheme year. For example, a scheme may choose to take out aggregate stop loss cover at 110% - this means that if the claims fund was set at £500,000, then the scheme would be liable for claims up to a maximum of £550,000 (an additional 10%); if claims then exceeded this, all additional claims cost would be picked up by WPA under the stop loss insurance. Specific Stop Loss (SSL)  - this type of insurance protects the scheme from particularly large individual claims. For example, a scheme may choose to take out specific stop loss insurance at £50,000 so if they then have an individual high-cost claim, where costs reach £80,000, the scheme liability was capped at £50,000, so the additional £30,000 would be picked up by WPA under the stop loss insurance. Some schemes choose to operate a combination of an ASL and an SSL.

Question 8

What is a Corporate Deductible and how does it work?

Accepted Answer

In insurance terms, a 'deductible' is an excess which does not attract IPT. This means that the known claims costs are taken as a deductible when forecasting costs for the year. When eligible costs are received, WPA uses the deductible to first settle these invoices. Potential savings:  Fully Insured Corporate Deductible Claims Fund £250,000 £250,000 Administration Fee £25,000 £25,000 Risk Charge (assuming 110% CD) £20,000 £20,000 IPT @ 12% £35,000 £5,400 Total Anticipated Charges £330,400 £300,400 Maximum Liability £330,400 £325,400 Total Saving (best case) - £30,000 Total Saving (worst case) - £5,000 It really is straightforward. The premium element, comprising of the administration fee and the insurance charge, is paid to WPA at a frequency to suit cash flow requirements. The Corporate Deductible element is paid directly into a client bank account, with complete flexibility as to when money is paid in - the only requirement is that there are sufficient funds available to pay members' claims.

Question 9

Would a Corporate Deductible work for my company?

Accepted Answer

Corporate Deductible works for all companies with 150+ employees, up to in many cases thousands of employees.

Question 10

What happens if claims are more than the Corporate Deductible?

Accepted Answer

In a high claiming year, the scheme has the protection of a traditional insurance contract however, and most importantly, in a low claiming year, the savings belong to the company, not the insurer.

Question 11

What is Absolute Health?

Accepted Answer

Absolute Health is designed to support companies with between 150 and 1,000 employees who are looking to offer a comprehensive, flexible benefits package. It's ideal for businesses that want to balance robust healthcare cover with cost certainty and budgeting control.

Question 12

How does it work?

Accepted Answer

Absolute Health operates as an insured healthcare scheme. This means your company pays a single, agreed premium to cover all included employees, and all eligible claims are covered without additional cost. You benefit from predictable budgeting and financial peace of mind. You can include cover for family members either company paid or funded by the employee via payroll.

Question 13

What support does the company receive from WPA?

Accepted Answer

At WPA, we are proud of our reputation for delivering exceptional service, both to individual members and the companies that support them. Each corporate customer is supported by a dedicated Relationship Management Team, which includes: A Relationship Manager A Relationship Co-ordinator A Scheme Administrator This team manages the day-to-day operation of your healthcare scheme, providing proactive and personalised support. Your Relationship Manager plays an active, hands-on role - attending meetings, leading discussions, supporting scheme reviews, and helping drive employee engagement. Our goal is to build strong, long-term relationships based on trust, confidence, and reliability.

Business healthcare schemes

Putting our members at the centre of all that we do

Flexibility for your business needs

Why choose WPA?

Healthcare solutions for business of all sizes

Select the size of your business to view our solutions

2 - 150 employees

Our solutions for small and medium enterprises

Enterprise Flexible Benefits

Precision Corporate Healthcare

NHS Top-Up

Member offers

Members of our business schemes will also benefit from offers throughout the term of their membership.

Frequently asked questions

Advice from your local WPA Healthcare Practice

Contact us to discuss your needs

Small & medium businesses

(2-150 employees)

01823 625247

Large companies

(100 or more employees)

01823 625051